Restoration companies tackle emergencies like fire, water intrusion, sewage backups, and mold infestations. They clean up the damage and work to secure and restore your home, stopping further harm in its tracks.

Water damage is divided into three categories:

1. Clean Water — harmless sources like broken supply lines.

2. Grey Water — potentially contaminated, e.g., appliance leaks.

3. Black Water — grossly unsanitary, such as sewage or floodwater.

These distinctions help determine the restoration strategy and influence insurance coverage.

Immediate action—within 24 to 48 hours—is crucial, especially in Florida’s humid climate. Without prompt response, mold can begin to grow rapidly, leading to health risks and expanded restoration needs.

Mold can establish itself within 24–48 hours of moisture exposure. It can exacerbate respiratory ailments like asthma, bronchitis, and allergies, particularly in vulnerable groups like children and those with weakened immune systems.

Coverage depends on cause:

1. Mold resulting from sudden, covered events (e.g., burst pipes) may be covered—some policies cap mold remediation coverage (e.g., $10,000 per incident).

2. However, mold from gradual leaks, poor maintenance, or flood damage is typically excluded unless you have specific add-ons like flood insurance.

Insurance may cover water intrusion stemming from sudden roof events (e.g., storm damage), which can lead to mold. However, issues like gradual damage, wear and tear, or maintenance neglect are often not covered. Always review your policy specifics.

1. Have insurance policy documents readily available

2. Put pets in a safe location, out of the way

3. Don’t hesitate to ask questions.

Restoration companies employ tools like thermal imaging, moisture meters, and drying logs to capture hidden damage and demonstrate thorough mitigation. This documentation strengthens your position if you choose to file a claim later—or if your insurer disputes coverage.